Free to start.
4.5% when you earn one.
No monthly fee, no setup fee, no fee on sales tax, no fee on
refunds. We charge a flat 4.5% of your product price when you
make a sale. That's it.
Want to see what 4.5% looks like at checkout?
Try the live demo →
Available now
Free
$0
/month
+ 4.5% per sale with your own Stripe
You connect your Stripe account. Buyers pay Stripe. Stripe pays
you on Stripe's schedule. Our 4.5% comes out at the time of
charge. Everything else runs on this plan — only Pro removes
the per-sale fee.
- ✓Checkout widget + hosted checkout links
- ✓Buyer-facing download pages (multi-file, previews, license keys)
- ✓Tax calculated at checkout (PR + 10 US states, growing)
- ✓Email receipts and refunds
- ✓Dashboard analytics
- ✓Update pushes to past buyers
- ✓Unlimited transactions
- ✓Up to 5 products
Join the waitlist
Coming soon
Pro
$19
/month
+ no fee per sale
Keep every dollar on your sales. Monthly plan replaces the
4.5% once your volume is high enough to justify it — roughly
above $700/month in sales.
- ✓No 4.5% per-sale fee
- ✓Unlimited products
- ✓Advanced analytics and reporting
- ✓Custom branding on checkout
- ✓API access
- ✓Subscription products
- ✓Bulk discount codes
Coming soon
What a sale actually costs
The numbers at real price points, with every fee broken out.
Stripe's processing fee goes to Stripe; SurcoPay's 4.5% goes to
us. Sales tax is yours in full — we never deduct against it.
| Sale price |
Stripe (2.9% + 30¢) |
SurcoPay (4.5%) |
You keep |
| $9 |
$0.56 |
$0.41 |
$8.03 |
| $19 |
$0.85 |
$0.86 |
$17.29 |
| $29 |
$1.14 |
$1.31 |
$26.55 |
| $49 |
$1.72 |
$2.21 |
$45.07 |
| $99 |
$3.17 |
$4.46 |
$91.37 |
| $499 |
$14.77 |
$22.46 |
$461.77 |
Stripe rates shown are for US cards on Stripe's standard
pricing. International cards, currency conversion, and alternative
payment methods have their own rates set by Stripe. SurcoPay's
4.5% doesn't change with any of those.
What we don't charge for
- Sales tax collected at checkout — the full tax goes with you to remit.
- Refunds — our 4.5% is returned to you in full on a refund.
- Partial refunds — our fee is reduced proportionally to match.
- Monthly subscription to use the Free plan — no monthly fee, ever.
- Setup or onboarding — zero cost to connect your Stripe and ship your first product.
- PayPal and ATH Móvil sales — currently carry no SurcoPay fee at all.
How it stacks up on a $29 sale
Three paths to the same checkout, with the actual money that
reaches your bank on each. Competitor rates are approximate and
based on each platform's publicly stated pricing at the time of
writing — check them before deciding.
| Platform |
Fee structure (approx.) |
You keep on a $29 sale |
| SurcoPay (Free) |
4.5% + Stripe's 2.9% + 30¢ |
~$26.55 |
| Gumroad (flat plan) |
~10% + Stripe's 2.9% + 30¢ |
~$24.96 |
| Shopify Basic |
~$39/mo + ~2.9% + 30¢ (Shopify Payments) |
~$27.86 — but minus $39/mo until you cover it |
| Paddle (MoR) |
~5% + 50¢ (all-in, tax handled) |
~$27.05 — minus your own tax tooling if you don't use them |
Shopify's monthly plan is the one line that changes this picture
meaningfully as volume grows — above roughly $400–500/month in
revenue, the per-sale math starts to favor Shopify over Gumroad.
SurcoPay stays flat at 4.5% at every volume. See our
Shopify vs Gumroad and
Stripe vs Paddle guides
for the full breakdowns.
Pricing questions
Is SurcoPay really free?
There is no monthly fee and nothing to pay until you sell
something. When you do, SurcoPay takes a flat 4.5% of your
product price. Stripe bills you its own processing rates
(~2.9% + 30¢) directly. Fees never apply to sales tax, and if
you refund a sale we refund our fee with it.
What does the 4.5% cover?
The checkout widget, hosted checkout pages, buyer-facing
download pages, license-key delivery, email receipts, refund
tooling, tax calculation at checkout, update pushes, and the
dashboard. Stripe's processing fees go to Stripe — we never
charge our own margin on top of Stripe's rates.
Does SurcoPay take a fee on sales tax?
No. Our 4.5% applies only to your product price. The sales
tax collected at checkout passes through to you in full for
remittance — we never deduct a fee against it, which would
leave you under-funded for filing.
What if I refund a sale?
Our 4.5% is returned to you in full on a refund. On a partial
refund, our fee is reduced proportionally. Stripe's processing
fee is subject to Stripe's own refund rules — for most card
types, Stripe does not return their processing fee on a
refunded sale.
Is there a per-sale minimum fee?
No per-sale minimum from SurcoPay. The 4.5% is proportional
at every price point. Stripe has its own 30¢ fixed fee per
successful card charge, which is separate from our rate.
When will the Pro plan be available?
Pro is in development and does not have a launch date yet.
The Free plan is not going away, and its 4.5% is not going up
when Pro arrives. Existing Free sellers keep their current
rate when Pro launches — Pro is simply the option that
removes the per-sale fee in exchange for a monthly one.
Are there transaction limits?
No. Unlimited transactions on the Free plan. The only limits
are the ones your payment provider sets.
Can I change my price or product count later?
Yes. Change prices anytime. The Free plan is capped at 5
products; Pro will remove that cap when it ships. If you need
more than 5 before Pro arrives, email us — we're onboarding
sellers one conversation at a time right now and that's a
conversation we're happy to have.
Join the waitlist.
We're onboarding sellers slowly, one at a time, before opening
more widely. The pricing above is what you'll see when it's
your turn.
Join the waitlist